 Well hello my friends! Today I am back with my December 2016 budget. This is the last budget of the year and I'm really excited about it. However I'm actually really nervous too because I'm gonna talk about something for 2017 while I'm doing the budget. So let's get into this. This week I might be using or not this week. Wow I'm so used to like doing a plan with me. I actually just filmed a plan with me before this. But anyway so I'm actually using a washi sample that a good friend of mine gave me. This is from Jody. She's also a YouTuber. I will put her channel below if you'd like to subscribe to her which you totally should. She does plan with me and other really fun other videos that are kind of stationary related. Also like organizing tips things like that. So definitely she is if you like me you'll probably like her. Okay so we actually went out to dinner not that long ago and she gave me this washi which I thought was super cute and like perfect for December. So I wanted to use some of it on the top here. I like to make my I mean I know people ask me this they're like why are you doing this to your planner or not my planner but like my budget. You know what I like literally this just sits open like this during the month and I just make sure that I'm on track. So the cool thing is is that I want to look at it and I want it to be pretty. You know I don't know about you guys but I really like it when things are pretty. Maybe I'm crazy I don't really know. But I like the way it looks and you know if this is what gets me organized and like on the ball about things then like woohoo go me. So yeah but I'm just gonna write in on here December and oh by the way this is the Aaron Kondren always a reason and season to celebrate this is the monthly collection designer sticker books. I will be putting a link below to the Aaron Kondren site. I have a unique clickable link where if it's your first time purchasing anything through Aaron Kondren well that's not straight. What happens is you sign up under that link they will send you a unique coupon code to your email and then you use that coupon code and then when you get ten dollars off and then I'll get ten dollars towards my next purchase too which is really cool and this is a notebook. This is the take note college ruled notebook I'll put a description of what this is below as well. So yeah it's got like this page on this side this page on the other that makes sense. Okay all right got that out of the way. I'll be leaving links below that's all you need to know. All right so moving on let's get into the paydays. So let me actually grab my planner because I'm not sure how many Fridays there are in December. I've got a look because you know I got a look. There's actually five Fridays in December. Okay cool. I get paid every single Friday so it's with the new job I get paid every Friday which is great. I will be taking some holiday time in December however I am going to be working the entire time I will be with my family because the new company that I'm working for is very very small kind of more like a startup kind of a thing. They do not offer vacation time yet but I will be taking the company laptop and I will be working on a massive project while I'm gone so I will be putting in my 40 hours for the week that I'm gone. I'm actually gonna be gone a little longer than a week but I'm gonna be gone what five five business days and then like I think two other business days the week after but I'll be able to make up I'll be able to just you know work those you know eight hours per day on average. I mean I'm gonna work on the weekends and stuff too and just just get my time in if that makes sense. So I'm still gonna be getting paid so that's good because I just really don't want to go without a paycheck because I kind of bust my budget and my savings goals and all of that so I want to make sure that everything is going okay. So with that being said I'm gonna get a little bit more real on how much I make and this is the scary thing for me but next year like in a month my next budget plan with me is going to possibly be I haven't 100% decided yet but since I'm doing a whole new thing where this is kind of just a general budget I'm gonna be putting in like exact amounts of every single thing throughout the month and it makes me really nervous to actually write down like how much I get paid per week or per month or whatever but you know what you guys have been so supportive and I think it's not gonna be a problem because the thing is I'm gonna be using that notebook my next notebook for actual numbers and goals so I want to make sure that I don't want to do one for YouTube and one for my personal does that make sense like that it just seems so cumbersome and I don't want to do that and I feel like you know we've all kind of built this little community here where everyone's very supportive I don't really get that much negative feedback I do once in a while but then I just like block them and whatever it's usually like spammers like people trying to like sell whatever they've got or just if you have constructive criticism like I'm totally down like totally down for that but when someone just says like I don't like your videos well then why did you even watch it that's just like silliness I don't understand why did you waste your time but those are just internet trolls and whatever but the core my core audience of people that actually click on these videos or are interested in budgeting are pretty open to whether you make a hundred dollars a week or whether you make a hundred thousand a week it doesn't matter it's all about just budgeting so you know everyone's pretty open so far if that sometimes changes I may not do these videos or do some of it I don't know we'll figure that out in 2017 but I'm going to use exact numbers in 2017 is my plan however it makes me really nervous so that being said let's get into like my pay stuff whatever alright I'm still gonna use round numbers for this video just a disclaimer but I'm gonna get a little bit more real on how much I do make my last plan with me video I was not sure how much I was gonna make because of taxes the taxes in North Dakota and Minnesota are completely different and I forgot that when I actually filmed my last video so that being said with all the health insurance and deductions and stuff it's way less than what I had stated in my last video because I wasn't sure I just I wasn't 100% sure so let's get on with it I'm I'm so over me like just talking about stuff and let's just put some stuff down okay so paycheck number one we've got five paychecks this month which is actually kind of cool especially since it's December you know oh my gosh did you see what I just did paycheck number five this is what happens when I like want to talk but then I need to write some things like I can't write and talk at the same time like forming full sentences doesn't work for my brain okay so let me see here so with deductions and taxes what was it around I think it was around like the 700 mark so we're just gonna write 700 bucks and I am hourly I'm not salaried yet I probably will be salaried in the future it's just not right now so and even if I am just salaried it it'll be fine because it's gonna be the same amount anyway so interestingly enough last week I was supposed to be not last week I keep saying last week and I'm sorry last month I was supposed to be seeing an insurance refund well that never happened and also they billed me for this month too and I'm filming in the month of November right now so they owe me some moneys let me actually figure out how much they owe me because they're supposed to be sending me a check all right so they owe me $219.36 so I'm gonna put that in there $219.36 what happened was I think I explained this in my last video I can't remember but I moved and I notified my old insurance company that I would be moving but I didn't want to cancel my insurance yet because I wanted to get covered in the state of Minnesota got covered in the state of Minnesota they sent over the paperwork to cancel my old insurance they obviously didn't get the message even though I had called them and I said hey I have new insurance now they were like great we'll get it cancelled we'll refund you the 109.68 that they had already charged me and then I never saw anything and then on the 15th which it comes out on the 15th I got charged again another 109.68 so I was like okay this is not working out and then the next day I got charged my new insurance so I've been like doubly insured for two months and it's been like okay you guys are messing my budget up stop it don't you watch my videos um so yeah so I don't really have anything else that I am planning on moneys coming in maybe some YouTube money I don't know I don't want to put it in there because I don't think I'm gonna make the threshold for not December but November like it's always like a month behind if that makes sense so I'm just gonna leave it like this and if I get more money that's great so all right so let's do my total so this is my projected incoming money for the month all right I'm gonna get more excited about this too because I'm gonna put one of these little guys in here cuz it's kind of cute and why the heck not and let's just put in some more of these because I think they're freaking cute okay so that is done-ish I guess all right so down here I am gonna put all of my bills I think Netflix changed to like $10 or something so I'm just gonna put that one in first because I'm talking about it I'm gonna say that was like 10 41 or something a month um something like that anyway give or take a couple of cents and then my cell phone has changed I got a new phone and I got a new plan as well so my cost actually went up which I know you guys have had a lot of comments about how much I pay on a cell phone but I was paying before 6255 per month and now oh you know what this month I actually don't owe anything on my cell phone because I traded in my old phone and I got like a credit of like $175 or something like that so actually for my cell phone I don't owe anything so that's kind of cool all right I won't even talk about the cell phone then yay but yeah anyway it's more than $62 now it's fine I'm fine with it yeah all right but I don't owe anything because I traded in the phone for a credit and that's showing up on the bill my Wi-Fi my insurance is 104 17 my actual insurance not my other insurance that I wasn't supposed to be paying but whatever all right so let's actually I need to look up how much my Wi-Fi is because I always forget how much it is every month and yeah all right let's look it up $45 and 29 cents okay got it $45 and 29 cents is the Wi-Fi all right cool that is all I have for my like fixed expenses I don't have a credit card payment or anything like that this month I also did all of my gifting this past month in November so I have all the gifts that I wanted to buy I've already purchased so there were some good deals and I actually got the list of a couple of people that I needed to buy for mostly kids so with that being said I don't really have much else that I need to put in the like you know kind of standard deductions so let me put in like my cash of what I'm planning on spending and we'll go from there all right I'm gonna use this little guy right here to kind of show my cash category and we're gonna do grocery dining clothes and then planning and if you guys haven't seen my new updated cash clip system I will leave that video down below you guys have seemed to really really like it because it has gotten a lot of views and a lot of comments so that's great I'm glad that I'm inspiring some of you to do something a little bit different with your cash so groceries is gonna be a little bit different this month the reason why is because I'm gonna be gone for I believe it's 11 total days so that is like grocery money that I don't need to put into here I'm gonna be staying with my parents so they will be you know providing the groceries if you will I mean I might pay for some stuff while I'm there but I'm gonna make my grocery budget a little bit smaller I usually do about $200 per month for groceries and that's just all food stuff with groceries I don't actually put in like laundry soap paper towels shampoo like those kinds of things because I don't tend to overspend in that category but I do overspend on food food if I am not you know budgeting for it so I need to kind of like restrict myself a little bit but it also gives me permission to spend whatever money I have in the clip for that month for my grocery budget I think I'm gonna just do like 140 that just seems like a good number just because I'm gonna be gone so many days and then for dining I'm gonna maybe bump that up a little bit I might do like let's do like 70 no let's do like $80 because I'm gonna have some airport things so you know as for clothing let's go with like another nice even round number of like 60 bucks for planning let's do like 20 all right that looks good so let me calculate the cash that should be like a hashtag like calculate the cash it sounds very fancy but it's like it's not fancy it's just math all right so cash total 300 bucks and also in the month of December actually end of November I budgeted for this as well but I'm gonna be starting to invest in November it's still November right now I know it's confusing as I'm talking about this because I'm doing December's budget but in December I'm also gonna be doing some investing too as well as paying my investment advisor I don't know how much he charges because we haven't really talked about it yet but that's gonna be part of the excess I would normally put it right here but I don't know how much I'm going to be investing in the month of December we've talked about some things and I'm pretty sure that we're gonna be doing around like the 200 mark per month in a mutual fund but I'm not a hundred percent sure yet because we're having another meeting this upcoming Monday so when you see this video the next Monday we're gonna have another meeting and we're gonna talk about it and anyway way too much information and I apologize this video is gonna be really long and really blabby so I I'm sorry oh my goodness I'm sorry all right so I feel like I should have like way more stuff in here but I don't oh also my Cobra is not gone anymore but I am covered for the month of December my new employer is gonna be ensuring as of January 1 so I have to have my payment in before the month happens if that makes sense so in the month of December I don't have a technical insurance payment because I already prepaid it last month does that make sense I hope it does so that's the biggest bill that I actually have in my budget at all so yeah but that that's going away and that's gonna be a part of the deduction that's taken out of this in the month of January starting the first so I won't actually know what my pay is going to be until January 1 when we start getting that you know deducted per paycheck let's get this totaled up and let's close out this video because I am in a really blabby mood and I am sorry oh you know what I didn't put in wow I am such an idiot I didn't put in like gas like fuel for my vehicle which is like extremely stupid of me how about let's put in gas because I'm like wait a minute it does not cost just that much to live that's insane all right so I am generally filling up about every third day three or four days and because I live so far away from where I work but it's totally worth it because I like as you can see I don't have like a traditional rent payment so that being said let's do like an average I think it's around like 20 bucks to fill up and if we do it times well my car is gonna be here for a little while so I have to factor that in a little bit let's do like 20 times 7 because that will give me like seven fill up and I think that I'm calculating right I think that'll do it maybe maybe not let's do like eight fill ups that makes sense okay so we'll do like a hundred and sixty dollars the only reason I'm going a little bit shy on this is just because I'm gonna be gone for a full week and the beginning of another week so I won't be using any gasoline at all so my car is just gonna be sitting here which will actually be kind of nice all right let's get back into the party here all right so 45 29 okay no I don't want that wow it's still like so inexpensive budget looks so weird you guys I know some of you are looking at this and going oh my god she makes so much money in her life costs so little and I totally get it I totally get it you should watch some of my old videos where my life costs a whole lot more but I am in a mode for saving right now and I'm saving for a house so yeah that's happening so I am living at my parents summer home temporarily because they're not here and you know it's fine I do live a little farther away so I pay more in gas and like maintenance on my vehicle but I think that it's a really good thing because I've been on my own before and it's fine and I'm technically on my own right now but I'm not paying any of the incoming bills besides the Wi-Fi that's probably gonna change when I see my parents in December when I'm gonna go to Florida and I currently live in Minnesota I'm gonna talk to them about that and say hey can I just pay for some of the other bills that come in here but this place is bought and paid for so there's no like traditional mortgage I don't I don't know what they want to do so anyway I want to talk to them about that they might just say no we don't want you pay anything we just want you to save for your house and that's good or they might say yeah we want to charge you for everything I don't know we haven't really had that conversation so talk to my mom a little bit about it but I want to include my dad in the conversation too because he might have his own opinions and I really like to get their feedback so anyway so now I'm gonna take this number minus these numbers and then we will get a total that's my total of excess for the month so alright so anything above and beyond that if I do get YouTube money which would be fantastic but I'm not really you know banking on it anything above and beyond that is gonna go all into my savings anyways because like I said I am saving for a house so that is kind of like consumed my life honestly and also with some of my investing that I want to be doing that is gonna be incorporated into this budget at some point probably in January because that's gonna be more on a set schedule once I get that figured out then I'll be able to like kind of work that in so yeah but anyway I'm gonna close out the video now I hope you guys enjoyed a look in a peek into my finances January 1 everything is kind of changing and we're getting a little bit more real on to how much money I actually do make so anyway that being said if you like these videos and make sure to give it a thumbs up let's me know that you want to see more budget videos from me I also have lots of other plans for 2017 I really hope that you guys stick around so make sure to subscribe so you don't miss out on any of my content I do post every Monday Wednesday and Friday for you guys so I'm gonna let you guys go for now thank you so much for hanging out with me for a part of your day I hope you're all having a wonderful day and I will talk to you all in my next video bye guys